Which bank credit card is easy to use and affordable? Generally speaking, it is more appropriate for us to hold up to 6 credit cards. You can apply for credit cards of various banks according to your own consumption needs.
1, four major credit cards
The credit card approval of the four major banks is more urgent and strict than that of other banks, so we can handle the credit cards of the four major banks first, and then handle the credit cards of other banks. The reason for handling the credit cards of the four major banks is very simple, that is, the four major banks have the widest outlets, and most of our business in daily life is handled through the four major banks. Therefore, it is more convenient to handle the credit cards of the four major banks, which can avoid the problem of cross-bank handling in the follow-up business. It is also more favorable for subsequent bank loans.
ICBC credit card, BOC credit card, CCB credit card, ABC credit card, Bank of Communications credit card.
Introduction is as follows:
1, BOC credit card
China Bank Credit Card is an international standard credit card, with one card and two currencies, which is universal. No prepayment is required. You can spend easily at home and abroad with your card within the limit, and enjoy an interest-free loan for up to 50 days. China Bank has overseas branches in 20 countries and regions around the world.
China Bank Credit Card does not require a guarantor, deposit or cash deposit. To apply for a bank credit card in China, you only need to fill in the China Bank Credit Card Application Form, and attach copies of identity documents, permanent residence certificates and financial documents.
2. China Industrial and Commercial Bank Credit Card
China Industrial and Commercial Bank Credit Card is the most widely issued credit card in China. At present, the main types of ICBC credit cards are: Peony International Credit Card, Peony Credit Card and Peony Credit Card; ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the card issuing pair, it is divided into business card and personal card, and personal card is divided into main card and auxiliary card.
3. CCB Credit Card
CCB Credit Card is a credit card issued by China Construction Bank. Credit cards issued by China Construction Bank are all called "Dragon Cards", including exclusive cards, business cards and car cards.
2. China Merchants Bank Credit Card
China Merchants Bank has also become the "first bank in the universe", because China Merchants Bank has the largest market value and the widest network, and its services are getting better and better. In addition, China Merchants Bank also cooperates with a number of offline stores, and you can get certain consumption discounts by using China Merchants Bank credit cards, so the cost performance of China Merchants Bank credit cards is still very high.
Summary: The use of credit cards pays more attention to quality than quantity, so it is more appropriate for us to control the number of credit cards within six. At present, different banks have their own advantages in credit cards, so you can handle them selectively according to your own needs.
The following are the credit card channels of Ping An Bank, China Merchants Bank, Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for it yourself if necessary!
Credit card applications of China Merchants Bank and Ping An Bank
Credit card applications of China Everbright Bank and China CITIC Bank
Credit card applications of Agricultural Bank and Minsheng Bank
Which credit card offers more discounts?
First of all, I think it's the best. The banks with the most discounts belong to China Merchants Bank, Bank of Communications and China CITIC Bank.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
Which bank has more credit card discounts and faster withdrawals?
At present, the credit cards with good reputation and credibility in the market are: China Merchants Bank Credit Card, Ping An Bank Credit Card, Guangfa Bank Credit Card, China Everbright Bank Credit Card, China Merchants Bank Credit Card and so on. These are all good choices. Of course, the specific amount of credit card depends on personal qualifications. Which bank's credit card is best not to generalize, as long as it is suitable for users themselves. Here are some bank credit cards:
1. ICBC: convenient repayment, high credit card limit, but strict application conditions.
2. Bank of China: Low credit card, less activity points and convenient repayment.
3. China Merchants Bank: The success rate of card handling is high, the amount is relatively high, there are many activities, and repayment is also very convenient. Powerful function, multi-card integration, high efficiency, high quality service, adjustable consumer credit limit at any time, powerful online banking, lifelong points system, the latest card loss protection plan. The disadvantage is that the integral policy is too tight. SMS reminder function is not very good.
4. CITIC Bank: There are many preferential activities and great incentives, but the credit line is average. The interest-free period is as long as 56 days, SMS reminders are free, and consumption details can be queried by SMS.
5. China Everbright Bank: the success rate of card processing is high, the amount is high, the withdrawal is fast, and there are many points activities.
6. Guangfa Bank does not need to submit any materials. This is the only bank that can apply online. As long as you fill in and submit it truthfully online, the people in the card center will contact you for credit extension within 15 working days. Results GDB card has powerful functions, favorable points policy, many preferential activities, prompt SMS reminder, mature online payment, support for Taobao Yi Bei, and available points. It is one of the necessary good cards. The disadvantage is that it is not very convenient for outlets to pay less. SMS charges three yuan a month. Credit card merchants are not as popular as the four major banks, and online banking is very simple.
7. HSBC is the major shareholder of Bank of Communications, so it is best to bring a Pacific card to Hong Kong. But there is no online payment function at present. The disadvantage is that the credit line cannot be restored immediately after repayment, and the credit card pass rate is relatively low.
8. Shanghai Pudong Development Bank: The approval is relatively fast, the online banking is good, and the recent preferential activities are relatively rich. The validity period of points is not good for 2-4 years, but points can be exchanged.
Which bank has more credit card preferential activities?
1, Industrial Bank: Industrial Bank has a relatively low card threshold. It's easier to get a card on Alipay, but it generally takes more than 620 sesame points to apply. As for the choice of card types, I would like to introduce you to applying for industrial bank pass credit card and industrial Taobao credit card. Generally, the audit results can be obtained within 5 minutes at the earliest after the application is submitted. With good credit, it is said that the support rate is above 90%.
2. Everbright Bank: Alipay users with sesame scores of 620 or above will find it easier to apply for Everbright Credit Card in Alipay. Many card friends report that they can be approved in seconds. Of course, they should choose the appropriate card type in advance. Here, I suggest you apply for a light yellow duck-themed credit card, which is said to be the easiest card for China Everbright Bank to approve. However, it should be noted that the online application of China Everbright Bank requires a face-to-face visa before it can be issued.
3. Minsheng Bank: Minsheng Bank cooperated with Alipay for a long time. Generally speaking, if there is no problem with credit information, sesame seeds can be approved in seconds if they score more than 600 points, especially now that the end of the year is approaching, the approval rate for handling cards is higher. In terms of card selection, female friends can apply for Minsheng Female Flower Credit Card, and car owners can apply for Minsheng Automobile Credit Card. In addition, Minsheng Baidu takeaway co-branded credit card and Minsheng.com Tesco installment credit card are also relatively easy to get off the card.
4. Guangfa Zhenqing Credit Card: Guangfa Zhenqing Credit Card is a female card launched by Guangfa Bank, which has outstanding advantages in shopping and female insurance! At the same time, you can choose one of the four major merchant types of department stores, restaurants, tourism and entertainment, and enjoy three times the credit card consumption points. However, it is important to note that this option cannot be changed.
So much for the introduction of which bank provides credit cards.